CU Explorer
Credit unions · New York · Q2 2026

Niagara-Wheatfield FCU

Credit union in Sanborn, NY · NCUA charter #14040 · Federal charter

Legal name: Niagara-Wheatfield

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$21.4M
Total loans & leases$9.3M
Total shares & deposits$19.1M
Members1,811
Net worth$2.3M
Net worth / assets10.72%
Loans / assets43.67%
Return on assets (annualized)0.84%
Loan growth (YoY)−11.36%
Member growth (YoY)−1.25%
Delinquency, all loans (60+ days)4.03%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeOther / mixed sponsor

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan payments, bill payment, account aggregation, e-Statements. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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